Call reports 2013
BENEFICIAL STATE BANK — 2013
What BENEFICIAL STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 293,785,000 | 279,694,000 | 306,631,000 | 313,013,000 |
| Total loans | 192,779,000 | 200,588,000 | 214,621,000 | 227,874,000 |
| Allowance for loan losses | 3,779,000 | 4,725,000 | 3,817,000 | 3,817,000 |
| Securities available for sale | 39,131,000 | 38,857,000 | 35,305,000 | 32,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,279,000 | 227,535,000 | 242,721,000 | 248,463,000 |
| Interest-bearing deposits | 165,938,000 | 154,894,000 | 166,960,000 | 166,619,000 |
| Noninterest-bearing deposits | 74,341,000 | 72,641,000 | 75,761,000 | 81,844,000 |
| Equity capital | 33,294,000 | 31,770,000 | 33,314,000 | 33,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,912,000 | 6,022,000 | 9,053,000 | 12,410,000 |
| Interest expense | 385,000 | 751,000 | 1,121,000 | 1,469,000 |
| Net interest income | 2,527,000 | 5,271,000 | 7,932,000 | 10,941,000 |
| Noninterest income | 840,000 | 993,000 | 1,299,000 | 2,269,000 |
| Noninterest expense | 2,919,000 | 5,818,000 | 8,922,000 | 12,151,000 |
| Provision for loan losses | 348,000 | 1,197,000 | 1,187,000 | 1,165,000 |
| Pretax income | 100,000 | -631,000 | -758,000 | 14,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | -631,000 | -758,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,658,000 | 28,962,000 | 30,569,000 | 31,375,000 |
| Total capital | 32,041,000 | 31,467,000 | 33,229,000 | 34,119,000 |
| Risk-weighted assets | 189,187,000 | 198,138,000 | 211,549,000 | 218,421,000 |